The more boxes you can honestly check, the more likely your bankruptcy judge is to forgive your student loans. Read more about the undue hardship exception. Review our FAQ about simple lifestyle changes you can make to maximize your odds of discharging your educational debt.

Undue Hardship Exception

For any chance at wiping out your student debt in bankruptcy, you must qualify for the undue hardship exception. To qualify, you must be able to honestly check the first three quiz boxes:

I have no money left over each month to pay my student loans

My money problems aren’t going to get any better in the future

Over the years, if I ever had extra money, I put it toward my student loans

Create a Plan of Action

Assuming you can check the first three boxes, look over the rest of your quiz results. The more boxes you can honestly check, the more likely the judge is to forgive your student loans. Review our FAQ to create a plan of action to improve your odds of wiping out your student debt.

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